1 Only charities the IRS recognizes as tax-exempt on https://apps.irs.gov/app/eos/ and not disqualified by Spiral.
2 Spiral matches your donation to eligible charities dollar for dollar up to $150 per year. Minimum donation of $5 per year required for matching. See here for details.
3 When Spiral calculates actual cash earned by adding the cash bonuses with the interest earned on a savings account that maintains a daily balance of $10,000 during the year, the cash earned is more than 15 times the national average estimated to be earned on a savings account with a $10,000 balance using the national average interest percentage rate of 0.06% paid on savings accounts (determined by FDIC as of June 1st, 2020 based on a simple average of rates paid (uses annual percentage yield) by all insured depository institutions and branches for which data are available. Visit https://www.fdic.gov/regulations/resources/rates/historical/2020-06-01.html to learn more.)
4 The Annual Percentage Yield (APY) on savings account balances is 0.10%. Interest rates are subject to change. This APY is current as of 05/01/2021. No minimum balance required to obtain the 0.10% APY.
5 When you set up and maintain a recurring preauthorized electronic funds transfer deposit of $1,000 or more to your checking or savings account, each month you can earn the cash bonus shown in the Cash Bonus Table if the balance in your savings account during the month remains at or above the corresponding minimum balance. For example, if you maintain $9,000 in your savings account each day during the statement cycle, you will earn a cash bonus of $6.30. If your balance falls below $9,000, but stays above $7,000 each day during the statement cycle, your cash bonus is $4.91. Spiral will credit all cash bonuses of up to $10.50 per month (up to $126 a year) to your savings account on the last day of the month.
6 Spiral will charge your account $7 per month (up to 6 months) if you do not make a deposit or withdrawal for 90 days. Interest posting is not considered a deposit for purposes of this fee.
7 Some features, like mobile check deposit and bill payment, may not be available at the time you open your account.
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